IDFC FIRST Bank
IDFC FIRST Private Credit Card
Data Verified
Last checked: 25 Feb 2026Best for premium lifestyle seekers who value zero forex, unlimited spa/golf access, and transparent pricing.
A modern premium card offering zero forex markup, unlimited complimentary lounge and spa access, golf rounds, Taj Epicure membership, and comprehensive insurance — all with a transparent fee structure.
TravelGolfSpaLifestyleForex
Annual Fee
₹9999
Annual fee waived on ₹7.5 lakh annual spend
Cashback
2%
Headline Rate
Forex Markup
0%
Standard Rate
Expert Verdict
"IDFC FIRST Private is the new-age premium card that challenges legacy banks with radical transparency. Zero forex on a premium card is rare. Unlimited lounge + spa + golf puts it on par with ₹50,000-fee cards. The Taj Epicure membership is a genuine lifestyle perk. Verdict: Best value super-premium card in India."
Key Privileges
Welcome BenefitWelcome kit with premium brand vouchers
Fee WaiverAnnual fee waived on ₹7.5 lakh annual spend
Interest Rate (APR)42%
Min. Income₹12 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. CreditBro may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score760
- Min. Income₹12 lakh per annum
- EmploymentSalaried/Self